RF's Financial News

Sunday, November 24, 2013

The latest ‘Annual Survey on Global
Prosperity’ reported: “With the exception of the United States, all countries
in the Americas have improved their overall Prosperity Index score in the last five
years.” The non-partisan Legatum Institute in London looks at a host of
measures (economic, social and governmental), to determine where countries are
making the greatest strides toward increasing prosperity for their people. If you’re living in the U.S., I (unfortunately)
do not bring good tidings.The U.S.
currently ranks 11th among the world’s most prosperous countries.

-In the
‘Economic Sub-Index’ of the total report, the U.S. has fallen out of the Top 20
due to our: declining domestic savings rate, declining high-tech exports, declining
5-year growth rate of our per-capita GDP, declining confidence in our financial
system, and our declining access to food and shelter.Less than 1/3 of Americans think that it’s a
good time to find a job, and 70% believe corruption is widespread in U.S.
business and government.

-On the Entrepreneurship
& Opportunity (E&O) sub-index, the U.S. has fallen to 13th. Other than Hong Kong being 10th,
the nations with the greatest E&O readings are all in Europe. The irony has Old World economies upstaging
the land that birthed entrepreneurial zeal and opportunity. We are becoming what Europe was, while Europe
is becoming what we were.

-Our Safety
& Security have fallen to 31st, and our Governance as fallen to
11th.Only 35% of Americans have confidence in the
people we elect to office (vs the global average of 52%).

-We
ranked 9th in Social Capital – meaning more Americans have served as
volunteers or donated to charity than did our global peers.

-And we
are 5th in Education.

But the Legatum Institute’s report
was NOT the most disturbing news of the week.On Monday, John Crudele of the New York Post caused a stir with an article
declaring that the reason the unemployment numbers (heading into the 2012 presidential
election) were falling was because they were FAKED. Apparently President Obama
needed something concrete to point to concerning the economy, and the labor
department complied by simply MAKING-UP some of the data.The part that I find most entertaining is that
when those numbers came out, I wrote about them as being fake.Jack Welch came out and openly said: “Just
like being back in Chicago, Obama FIXED the jobs numbers to make himself look
good.”The world called us both liars.

Along the lines of fake numbers:

-The
number of people ‘Not in the Labor Pool’ continues to cause our unemployment
index to decline.If we simply measured
unemployment the same way we did in the 80’s – our unemployment rate would be
over 16% - instead of the 7.2% currently being reported.

-Currently
‘food and energy’ are not included inside the inflation index because they are
‘too volatile’.I don’t know about you,
but a large percentage of my monthly budget is spent on food and energy – go
figure?

-Oh, and
IF something (legitimately) costs more, the government says that because it’s
more technologically advanced, it is (in fact) costing you less.I kid you not.The government tells us (for example): if a car
cost $18,000 last year, and costs $18,720 this year – it’s actually cheaper
because bundled into the new car are technological improvements that will save
lives and prevent accidents.So that car
(according to our government) actually went DOWN in price.Really?

-Finally,
Carl Icahn caused a market sell off this week, by saying that almost all of the
stock market’s earnings reports are ‘a mirage’. Carl Icahn is right.If banks (for example) were forced to report
their holdings on a ‘mark to market’ basis they would all be found to be
insolvent.Instead, Congress has allowed
banks to do ‘mark to model’ accounting. What
this means is: when a bank repossess a house on which they granted a $700K
mortgage (but today is only worth $425K), the bank does NOT have to carry
that $275K loss on their books. They can ‘mark the asset’ to what they thought
it was worth in their ‘model’ – presumably the $700k – and breakeven.Wow!

Speaking of things decreasing in
value, since the day the Federal Reserve was created, our currency has lost
‘buying power’ / ‘value’. The U.S.
dollar is worth approximately 7 cents in comparison to what it could buy back
in 1915. So our Fed has done a yeoman’s job of destroying the ‘value’ of
our currency.This is disturbing to
anyone who SAVES dollars because those same dollars (in the future) end up
buying fewer goods and services.

Throughout history, the most
successful way of preventing monetary inflation has been through holding gold
and real estate. I often hear that the only way we can get back to a more
stable world of monetary value is by going back to some form of gold standard. Frankly, that is false for several reasons. Having a gold or silver backed currency does
NOT prevent depressions – remember the 1930’s. But even more important to the concept of
sound monetary policy is something the world needs in abundance and lacks
abundantly - honesty, morality and truth. Without those concepts, any currency
will be perverted no matter what it is backed with.

Years ago, entire empires used
precious metals as their daily coinage. But
the king, or Senate would soon outspend the amount of gold in their vaults. So they would shave the gold from their coins,
making them smaller and lighter.They would
add a less expensive alloy to their coins. Over the years, fraud and dishonesty proved to
be the downfall.Therefore, even a ‘gold
backed’ currency, would not prevent any country from lying about the amount of
gold in their vault.While holding physical
gold and silver at the individual level has been a pretty good way to preserve
wealth, it is not the ultimate answer to a stable currency.A sound currency comes from honesty, and
that’s something we severely lack.

However, in 2009, a new currency
arrived on the scene that has the ability to CHANGE HISTORY.Historical and existing currency systems fail
due to greedy, criminal people that lie about:

-The
amount of currency they have made,

-How
much (in precious metals) is there to back it up,

-The
value of the currency, and

-The
velocity of people using the currency.

Bitcoin is entirely new, and
completely different. We all knew
computers would change the world in a most profound way, but not many ventured
to think computers would change the historical meaning, distribution, and the
VALUE of money.

Bitcoin is digital currency that is:

-Transparent
to everyone and immune to criminals,

-Un-Printable
and Un-Deniable (in terms of) what is out there, and

-When
you buy and sell with it, there's a permanent and public record of the
transaction. (That is how the entire Bitcoin ‘float’ is tracked.The record only notes the landing address or
code of the person that took delivery. It does not identify the owner.)

-Finally,
Bitcoin has no nationalistic boundaries. It is the same Bitcoin in Japan as Canada, as
Korea, as Italy, and therefore no currency adjustments for geography.

Because of these virtues,
Governments are scared.They are scare
of not being able to control it, print more of it, keep it from people, distort
it or in any other way take charge of it. For 6,000 years, man has wanted a way to put
the power of money into the hands of the people and let the market set the
value. Bitcoin does just that. It's
too early to tell whether Bitcoin is the real answer to our problems, but the barn
door is open. The world now has a
digital currency with most of the positives of a normal currency and NONE of
the negatives.

Because ‘people’ control the
treasuries of our nations, no money system is above abuse. Certainly a currency backed by some amount of
gold is far preferable to the junk that is currently being created. Bitcoin is a new form of currency that man's
greed can't abuse. Honestly, it’s good
that the NY Post decided to run that article on ‘faking’ the numbers – because
just maybe it will serve as a wake-up call for one, or some, or many.

Thanksgiving is my favorite holiday
– and I hope that your Thanksgiving is spent with family and loved ones.

The Market:

In keeping with the ‘currency’
theme, the People's Bank of China has hinted strongly that they no longer need
a huge stockpile of reserve currency.This suggests that they are going to stop hoarding dollars.Which means that they would (by extension)
stop buying U.S. Treasuries.

If this ‘hint’ is true, then it will
be one of the most significant economic impacts of the last 20 years. For over two decades the U.S. has enjoyed
inexpensive Chinese products because China has purchased our dollars, and kept
their own currency low. If they are
going to let the Yuan begin to float more freely, not only does the cost of
Chinese imports rise, but who will buy U.S. Treasuries?Without China purchasing our treasuries,
interest rates would have to soar, and our own Fed would then have to purchase
more treasury debt as well as print more money.Obviously, this would get ugly very quickly.

This news was simply ignored by the
equity markets this week.Currently bad
news is good news, mediocre news is better news, and good news is absolutely
fantastic. No matter what hits the
wires, the market shrugs it off and pushes higher. Did it matter that housing sales were
down?Nope.Did it matter that the Regional Fed reports
were abysmal?Nope.What about Wal-Mart, Dollar Tree, Target and
dozens of other retailers saying that the consumer is tapped out? Nope - lets hit another all-time high.

Now, history has shown us this
behavior between 1998 and 2000, and again between 2006 and 2007. Both times it ended badly, and I fear this
sequel will end badly as well. A major
crash is coming, but no one knows the exact date.It could be February, or in 2015. We know that the fundamental elements of a
sound economy are sorely missing, and ObamaCare, EPA rules, Global warming,
Business Regulations and the host of other ills are only making things worse. China abandoning the U.S. dollar makes things
much, much worse.

The market continues to press
higher, but on NO volume. That means one
of two things:

-First,
it could mean that everyone that wanted to be in the market is already in the
market, and the banksters are responsible for keeping it going higher.

-Or, it
could mean that the last swell of money inflows has yet to happen, and as
people can't stand the pressure – they will soon ‘just jump into the market’.

Low volume always signals an
impending rug pull as the big players know what's coming, and don't commit new money.The difficulty is that December is
historically the strongest time of the year. So, are the big players really going to do a 4
-6% pullback between now and yearend? After
all, the market has run considerably further than it should have based on real
fundamentals, and every fund manager is thinking that he should ‘lock in’ these
big gains. The only way to lock in
market gains is to sell your positions. Therefore, yes there is a distinct possibility
of some selling. But I think as they
lock in gains, the market will absorb the one or two day dips, and those late
comers to the party will try and buy the dip, hoping to eek out every last dime
this year has to offer.

I don't think this rally ends until
late December (if then). I think any
pullback will be a 2 to 3% quick dip and will press back up. I’m leaning long, but not over extending. There will be more ‘taper talk’, that will cap
some of the froth in the market.But, unless
they actually do taper the QE program, there's not much to worry about right
now. Earnings are over, and it's full
steam ahead.

Tips:

This week I sold TGT flat, and MOS & CLF for a
$1 (per share) gain.

Friday closed out the week strong,
and that may cause a slight weakening at the beginning of this week.But I think the market will digest the ‘all
time highs’ and continue to move us higher.I’m looking for a good entry on: Constellation Brands (STZ = $70.36),
Russell iShares (IWM = $111.80), Smith & Wesson Holdings (SWHC = $11.97),
and Federal Signal Corp (FSS = $15.99)

Looking around:

-The 3D
printer space sorted itself out – with virtually everyone coming out in favor
of DDD and SSYS.

-Green
Mountain Coffee Roasters (GMCR) came out and sold more K-cups than anyone
thought – and immediately sprinted higher on the news.It’s becoming an interesting ‘weekly’ covered
call options play.

-I still
like GILD and INCY in healthcare.

-I like
ACI – but only covering it with the $4 calls – giving you a 10% yield for
4-week hold.

-Take a
look at NPSP – the $23 in the money calls – are yielding a net 4% for the
month.

-AND – I
like Twitter (TWRT) – but ONLY covering it with the $41 or $40.50 calls –
giving you between 1.5% and 2% yield for the week.

My
currentshort-term holds are:

-TSO in at 50.56 (currently 57.24) – stop at
56,

-JNJ
– in at 94.50 (currently 95.24) – stop at entry,

-CCJ
– in at 20.50 (currently 20.47) – stop at 19.80,

-SIL – in at 24.51 (currently 11.50) – no stop,

-GLD (ETF for Gold) – in at 158.28, (currently
120.05) – no stop ($1,244.00 per physical ounce), AND

Expressed
thoughts proffered within the BARRONS REPORT, a Private and free weekly
economic newsletter, are those of noted entrepreneur, professor and author, R.F.
Culbertson, contributing sources and those he interviews. You can learn more and get your free
subscription by visiting: <http://rfcfinancialnews.blogspot.com> .

Please
write to Mr. Culbertson at: <rfc@culbertsons.com> to inform him of any
reproductions, including when and where copy will be reproduced. You may use in
complete form or, if quoting in brief, reference <rfcfinancialnews.blogspot.com>.

If
you'd like to view RF's actual stock trades - and see more of his thoughts -
please feel free to sign up as a Twitter follower - "taylorpamm" is the handle.

If
you'd like to see RF in action - teaching people about investing - please feel
free to view the TED talk that he gave on Fearless Investing: http://www.youtube.com/watch?v=K2Z9I_6ciH0

To
unsubscribe please refer to the bottom of the email.

Views
expressed are provided for information purposes only and should not be
construed in any way as an offer, an endorsement, or inducement to invest and
is not in any way a testimony of, or associated with Mr. Culbertson's other
firms or associations. Mr.
Culbertson and related parties are not registered and licensed brokers. This message may contain information
that is confidential or privileged and is intended only for the individual or
entity named above and does not constitute an offer for or advice about any
alternative investment product. Such advice can only be made when accompanied
by a prospectus or similar offering document. Past performance is not indicative of
future performance. Please make sure to review important disclosures at the end
of each article.

Note:
Joining BARRONS REPORT is not an offering for any investment. It represents
only the opinions of RF Culbertson and Associates.

PAST
RESULTS ARE NOT INDICATIVE OF FUTURE RESULTS. THERE IS RISK OF LOSS AS WELL AS THE
OPPORTUNITY FOR GAIN WHEN INVESTING IN MANAGED FUNDS. WHEN CONSIDERING
ALTERNATIVE INVESTMENTS (INCLUDING HEDGE FUNDS) AN INVESTOR SHOULD CONSIDER
VARIOUS RISKS INCLUDING THE FACT THAT SOME PRODUCTS AND OTHER SPECULATIVE
INVESTMENT PRACTICES MAY INCREASE RISK OF INVESTMENT LOSS; MAY NOT BE SUBJECT
TO THE SAME REGULATORY REQUIREMENTS AS MUTUAL FUNDS, OFTEN CHARGE HIGH FEES,
AND IN MANY CASES THE UNDERLYING INVESTMENTS ARE NOT TRANSPARENT AND ARE KNOWN
ONLY TO THE INVESTMENT MANAGER.

Alternative
investment performance can be volatile. An investor could lose all or a
substantial amount of his or her investment. Often, alternative investment fund
and account managers have total trading authority over their funds or accounts;
the use of a single advisor applying generally similar trading programs could
mean lack of diversification and, consequently, higher risk. There is often no
secondary market for an investor's interest in alternative investments, and
none is expected to develop.

All
material presented herein is believed to be reliable but we cannot attest to
its accuracy. Opinions expressed in these reports may change without prior
notice. Culbertson and/or the staff may or may not have investments in any
funds cited above.

Remember the Blog: <http://rfcfinancialnews.blogspot.com/>
Until next week – be safe.

Saturday, November 16, 2013

On Monday evening at 7pm, Andrew Huszar
posted an op-ed piece for the Wall Street Journal (“Confessions of a
Quantitative Easer”) that had everyone buzzing on Tuesday.Mr. Huszar was a Federal Reserve employee
that left the Fed to work in the private sector.He left because (in his opinion) the Fed was becoming
more and more beholden to Wall Street. But
suddenly the Fed called him in early 2009, and asked him to come back. The reason? The Fed was launching the first waves of Quantitative
Easing (QE), and needed someone to actually do the bond buying. Mr. Huszar’s job would be to buy up over a
Trillion dollars worth of mortgage bonds in 12 months.

According to Mr. Huszar, the Fed was
barreling headfirst into the largest financial stimulus in the history of the
US. But, as his year of buying up
mortgage bonds ended, he had come to the conclusion that while the banks were
raking in unprecedented profits – Main Street was getting virtually none of the
benefits. In one part of the op-ed, he
apologized to the U.S. taxpayer, saying he helped Wall Street make billions,
and did it with YOUR money. He went on to say that the program is a
failure.It only serves its Wall Street
masters, and the Fed is not the independent organization that they say they
are.

The reason I found the article so
important is that he lays out exactly the things I've been preaching about for
so many years. The Federal Reserve has
distorted the economy in ways that we've never seen before.They've boxed themselves into a very tight corner.
If they continue to pump money into the
system, it will continue to flow to the banksters.The banksters will push it into risk
assets like stocks, and that creates the bubble that we’re seeing now. Only a very small portion (of the overall
amount of money spent) will actually create any true economic activity.

If they try and remove this QE from
the system, stocks will crash, and what little economic activity we have, will
grind to a halt. We have the proof.Simply look at what happened to housing sales
when rates spiked from 2 to 2.7%. Sales
fell off a cliff. If The Ben Bernanke
stops suppressing interest rates, and they potentially run to 4% - we implode
not only the housing market, but also the U.S. economy.

Therefore, the U.S. has a dilemma. In saving the ‘Too Big to Fail’ banks, the Fed
has printed over $3 Trillion dollars (out of thin air), and pushed it to these
banksters. While the banksters are happy
(and have all the money they need), the J. Q. Publics on Main Street continue
to see their lifestyles erode. Currently, a record 91 million people are not
in the workforce. And honestly, even if
some of those 91 million are on disability or some other government program,
they are not living the type of life they would have had if they had a good job
with benefits.

I'm on record as saying that the Fed
will NOT taper, and the next move may very well be MORE stimulus. Ms. Janet Yellen (the heir to The Ben Bernanke
throne) thinks doing more is better than doing less. Ms. Yellen might just roll the dice and expand
the amount of their QE process. More
stimulus would send stocks soaring even higher, all the while barely moving the
needle of true economic activity. You
cannot fix a broken economy with monetary stimulus. That fix must be accomplished at the
fundamental level.

To build an economy, you need to
build an atmosphere of cooperation starting with the foundation.That means the elimination of ‘Over the Top’
regulations. One of the main reasons so
many jobs fled to foreign countries was our excessive regulation.Before you can put a shovel in the ground to
build a plant, you need to do 5 years of impact studies on the wooly moth (for
example).While this is great for the
wooly moth, it doesn't help the businessman who’s ready to build his plant, and
put people back to work.

Unfortunately, it’s not an accident
that we have so many layers of red tape, rules and regulations. Often politicians see businesses going under
as a victory.They get to claim a
reduced ‘carbon footprint’, and get to put those former employees onto Government
programs.Therefore, we are stuck with
financial engineering by the Fed as being the building block for our economy,
and that is doomed to failure. The Fed
either prints and increases the size of the stimulus programs, or takes the
punchbowl away. Those are the only two
choices.We continue to print, and watch
a very small, select group benefit wildly, while the masses see no relief.Or we take the printing away, and as we try
to adjust to something more ‘normal’ – the economy will lock-up and
crash.

Andrew Huszar’s article was good,
and proved our point. Yet even with his admission
of the QE program being a failure, the QE program continues because they have
no choice.

The Market...

Early in the week the ‘Taper
Tantrum’ hit the market. The Fed was
sending their henchmen out to play ‘good cop / bad cop’.A few would talk about QE remaining, while
others spoke of tapering in December. They obviously did this to keep the market
from just running straight up every single day. The FED has said on
numerous occasions that any taper is data dependent. In other words, the data must be strong enough
in order to reduce the amount of QE, so as to not affect the economy. Well:

-Housing
sales fell 1.8% last month, with mortgage applications falling as well. Tapering will just cause interest rates to
rise – so let’s assume that’s not a good thing for housing.

-Wal-Mart
(the single largest retailer on the planet) said that things look lousy out
there – and reported falling short of their revenue estimates by a Billion
dollars.

-Cisco
(CSCO) a very large tech company, not only missed their earnings and revenue
projections but is calling for a 10% reduction in sales going forward – as
markets are ‘very soft’. And when CSCO
says that the technology markets of the world are lousy – they really mean
it.

Then Ms. Janet Yellen took the stand
for her confirmation hearing.The market
went from ‘down’ to ‘up’ in a heartbeat.It appears that the new Fed head will (most likely) be even more
‘accommodative’ with money printing than The Ben Bernanke. If it weren’t so
terribly sad, it would be funny. The
market is only going up because of QE, and Ms. Yellen won't stop it.

We’re currently putting together a
string of all-time highs.It is becoming
fairly routine. But as long as the
printing presses keep running, they'll keep jamming that money into the stock
market.Why not? It's free money. Therefore, I continue to lean long and ‘hold
my nose’.Yes, it stinks but the market
is up and I’ll take it.

Tips:

Well, the secret is out of the bag.I feel vindicated and violated by CNBC’s Fast
Money / Fast Options show on Friday evening.While they were discussing Twitter (TWTR) – one of the traders suggested
that the ONLY way to play this stock (and many stocks at these levels) was to
buy the stock, and then purchase the corresponding ‘at the money’ call
option.In the case of Twitter – he
pointed out that with the stock selling at: $43.98 – buying the $44 call option
guarantees you $1.25 cents per WEEK.This is a 3% return for the WEEK.So, it appears that the proverbial ‘cat is out of the bag’.Let’s see how Monday’s ‘covered call’ action
plays out.

Expressed
thoughts proffered within the BARRONS REPORT, a Private and free weekly
economic newsletter, are those of noted entrepreneur, professor and author, R.F.
Culbertson, contributing sources and those he interviews. You can learn more and get your free
subscription by visiting: <http://rfcfinancialnews.blogspot.com>
.

Please
write to Mr. Culbertson at: <rfc@culbertsons.com>
to inform him of any reproductions, including when and where copy will be
reproduced. You may use in complete form or, if quoting in brief, reference
<rfcfinancialnews.blogspot.com>.

If
you'd like to view RF's actual stock trades - and see more of his thoughts -
please feel free to sign up as a Twitter follower - "taylorpamm" is the handle.

If
you'd like to see RF in action - teaching people about investing - please feel
free to view the TED talk that he gave on Fearless Investing: http://www.youtube.com/watch?v=K2Z9I_6ciH0

To
unsubscribe please refer to the bottom of the email.

Views
expressed are provided for information purposes only and should not be
construed in any way as an offer, an endorsement, or inducement to invest and
is not in any way a testimony of, or associated with Mr. Culbertson's other
firms or associations. Mr.
Culbertson and related parties are not registered and licensed brokers. This message may contain information
that is confidential or privileged and is intended only for the individual or
entity named above and does not constitute an offer for or advice about any
alternative investment product. Such advice can only be made when accompanied
by a prospectus or similar offering document. Past performance is not indicative of
future performance. Please make sure to review important disclosures at the end
of each article.

Note:
Joining BARRONS REPORT is not an offering for any investment. It represents
only the opinions of RF Culbertson and Associates.

PAST
RESULTS ARE NOT INDICATIVE OF FUTURE RESULTS. THERE IS RISK OF LOSS AS WELL AS
THE OPPORTUNITY FOR GAIN WHEN INVESTING IN MANAGED FUNDS. WHEN CONSIDERING
ALTERNATIVE INVESTMENTS (INCLUDING HEDGE FUNDS) AN INVESTOR SHOULD CONSIDER
VARIOUS RISKS INCLUDING THE FACT THAT SOME PRODUCTS AND OTHER SPECULATIVE
INVESTMENT PRACTICES MAY INCREASE RISK OF INVESTMENT LOSS; MAY NOT BE SUBJECT
TO THE SAME REGULATORY REQUIREMENTS AS MUTUAL FUNDS, OFTEN CHARGE HIGH FEES,
AND IN MANY CASES THE UNDERLYING INVESTMENTS ARE NOT TRANSPARENT AND ARE KNOWN
ONLY TO THE INVESTMENT MANAGER.

Alternative
investment performance can be volatile. An investor could lose all or a
substantial amount of his or her investment. Often, alternative investment fund
and account managers have total trading authority over their funds or accounts;
the use of a single advisor applying generally similar trading programs could
mean lack of diversification and, consequently, higher risk. There is often no
secondary market for an investor's interest in alternative investments, and
none is expected to develop.

All
material presented herein is believed to be reliable but we cannot attest to
its accuracy. Opinions expressed in these reports may change without prior
notice. Culbertson and/or the staff may or may not have investments in any
funds cited above.

Remember the Blog: <http://rfcfinancialnews.blogspot.com/>
Until next week – be safe.

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